Visa Debit Card

Product Description

The Visa Debit Naira card is an EMV Chip and PIN card that is linked to a naira current or saving account. It is accepted worldwide for payment at over 29 million locations and for cash withdrawals at over 1.8 million ATMs in over 170 countries worldwide, wherever the Visa logo is displayed.


Features Of Your Visa Debit Card

  • It is linked to a current or savings account denominated in Naira
  • It is valid for 3 years from the month of issue
  • It requires a Personal Identification Number (PIN) for all transactions
  • It is an EMV secured microchip and PIN debit card

Benefits Of Your Visa Debit Card

  • Globally accepted means of payment
  • Convenient and secure 24/7 access to account linked to card
  • Cash withdrawals from over 1.8 million ATMs in over 170 countries worldwide
  • Payment for goods and services in over 29 million Visa merchant outlets (POS, Web)

Visa Debit Card Charges

                                    TRANSACTIONS

CHARGES

Getting a new card(Classic)

N1000

Getting a new card(Platinum)

    N1000

Replacing a lost, damaged or expired card

Same as cost of card

PIN Reissue

Free

Cash withdrawal on any FCMB ATM

Free

Cash withdrawal on other banks ATM in Nigeria

N65 (after third transaction in a month)

Cash withdrawal on ATM abroad

N240

Purchases made on POS and on local websites in Nigeria

Free

Purchases made on POS abroad and on foreign websites

Free

* Prices are subject to change based on factors such as regulatory guidelines, economies of scale, customer promotions, etc.

 

Transaction Limits

Limits

Classic

Platinum

 

Limit

Count

Limit

Count

Daily ATM Limit

150,000

8

250,000

15

Daily POS Limit

500,000

20

1,000,000

20

Daily Web Limit

250,000

5

500,000

10

 


FREQUENTLY ASKED QUESTIONS (FAQS) ON VISA DEBIT CARD

Q: how does my visa debit card work?

TThe Visa Debit Card is linked to cardholder’s current or saving account. Every transaction done with your Visa Debit Card will reflect online real time in your bank account. Cardholders can monitor their transactions by simply viewing their account statement.

Q: how do i apply for a visa debit car d?

Simple walk into any FCMB branch and get your VISA debit card issued instantly

Q: how do i activate my visa debit card after collection?

Your Visa debit card is automatically activated by changing the default 4-digit PIN (0000) at any FCMB ATM.

For activation, go to any FCMB ATM and simply enter a desired Personal

Identification Number (PIN) by following the steps described below:

  1. Insert the card into the ATM
  2. Input the default 4-digit PIN (0000)
  3. Select Change PIN
  4. Enter desired 4-digit PIN
  5. Re-enter desired 4-digit PIN
  6. Consummate a test transaction

Please note that without changing your PIN, you will be unable to use your card for transactions.

Q: where can i use my visa debit card?

The Visa Debit Card can be used on ATMs, POS machines and the internet. Your card is internationally accepted as a means of payment at over 24 million merchant locations and over 1 million ATMs worldwide, in over 170 countries.

Q: how do i make online transactions?

All online transactions require your card number and the 3digits CVV (Card Verification Value) Number at the back of your card.

Q: what is vbyv?

Verified by Visa (VbyV) is an additional layer of security when making online transactions. A web transaction PIN also known as Web Pin is required to complete all VbyV transactions.

Q: how do I receive my web transaction pin?

Visa debit card holders can generate their Internet PIN from any FCMB ATM by following the steps below:

  1. Insert the card into the ATM
  2. Enter your 4-digit PIN
  3. Select change PIN
  4. Select web transaction PIN
  5. Enter desired Internet PIN
  6. Re-enter Internet PIN

Please note that your web transaction PIN cannot be the same number as your card PIN.

 

Q: how do I withdraw cash at an atm with my visa debit card?

To withdraw cash at the ATM, insert your card into the machine and enter your PIN. Select the type of account the card is linked to make a withdrawal and enter the amount of cash you want to withdraw. Then take your cash, card, and receipt to keep track of your balance.

Q: how can I check the balance on my visa debit card?

You can check the card balance on any ATM terminal that accepts your card variance or by viewing your account details online.

Q: how long can i use my visa debit card?

You can make purchases using your Visa Debit Card until the expiration date shown on the card, or until the value of the card has been depleted. Once your Visa Debit Card expires, you can request from the nearest FCMB branch for a new card.

Q: what can i do if my card is los t or stolen?

Call 01-2798800 and request that the card be hot listed immediately. You will be asked a few questions to show that you are the actual owner of the card.

For  more  information,  please  call  our  Contact  Center  on  012798800  to  speak  with  a consultant, or send an email to Customerservice@fcmb.com

 

               Thank you for choosing FCMB

visa debit card